Where You Live Could Affect How Much You Pay for Auto Insurance

Where you live could greatly affect the rates your paying for insurance. This article from AOL Autos examines why insurance rates are higher in urban areas.

How exactly car insurance companies calculate rates is a mystery, but we do know that they use a closely guarded calculation weighing obvious risk indicators like driving history and age with more surprising factors, such as gender, credit score and zip code. In fact, where you live can end up costing you hundreds of dollars extra per year. 

Insurers use something called the "territorial rating system" to determine high-risk zip codes. Essentially, the more urban the zip code, the higher the risk and the higher the rates, ​according to The Guardian. If a zip code is considered high-risk than insurance premiums go up. A lot.
Drivers in urban areas can pay as much as $400 more per year than their suburban counterparts, and sometimes even more than that. Drivers in Detroit, for instance, pay the highest insurance rates in the country: $4,599 per year on average. Their neighbors only a few miles north in the suburb of Royal Oak, Michigan pay less than half that rate, according to the Noisy Neighbor tool at carinsurance.com. 

While the cities' congested roads do increase the likelihood of a crash and the greater chance of crime in urban areas increases insurers' risk, research by UCLA sociologists Michael Stoll and Paul Ong shows the increase in insurance premiums for urban drivers is higher than those costs. That means those poorer city dwellers who can ill-afford additional bills are getting hit with much higher rates than they should. That higher cost leads to more drivers lying about where they live, or, like 19 percent of Detroiters, driving uninsured. 

Since almost every state requires car insurance and ninety percent of American households own cars, there is little incentive for insurers to change their practices or make billing more transparent. For now, all we know is that some people are paying more than what seems to be necessary.

Click the link to see the full article from AOL Autos: http://aol.it/1rdyw69

Buying a Car for Your Teen Driver

Will you be car shopping for your teenager anytime in the near future? If you are, the IIHS has a few tips to help you look for the safest, most cost-effective vehicle for your new driver. Help make sure you're teen is as safe as can be while they're on the road. 

The recommendations on teen vehicle choice are guided by four main principles:

• Young drivers should stay away from high horsepower. Vehicles with more powerful engines can tempt them to test the limits.

• Bigger, heavier vehicles protect better in a crash. There are no minicars or small cars on the recommended list. Small SUVs are included because their weight is similar to that of a midsize car.

• ESC is a must. This feature, which helps a driver maintain control of the vehicle on curves and slippery roads, reduces risk on a level comparable to safety belts.

• Vehicles should have the best safety ratings possible. At a minimum, that means good ratings in the IIHS moderate overlap front test, acceptable ratings in the IIHS side crash test and four or five stars from the National Highway Traffic Safety Administration (NHTSA).

In the survey of parents, the mean purchase price for a teen's vehicle was about $9,800, while the median was just $5,300. There are many options on the recommended list for under $10,000, but just three that cost less than $5,300. 

"Unfortunately, it's very difficult to get a safe vehicle for a teenager at the prices most people are paying," says Anne McCartt, IIHS senior vice president for research. "Our advice to parents would be to remember the risks teens take and consider paying a little more."

Click the link to read the full article from the IIHS: http://bit.ly/1oXXmXI

Common Car Seat Mistakes Parents Make

The smallest error in properly securing a child's safety seat can compromise the effectiveness of the device in the event of an accident. AAA has put together a list of 12 of the biggest mistakes parents are making when installing a car seat. Read the tips here and learn how you can prevent them.

AAA has put together a list of the twelve biggest mistakes parents make when using a car seat. Some items on the list may seem like insignificant oversights, but even the smallest error in properly securing these safety devices can compromise their effectiveness in the event of a crash. 

Read on to see the mistakes parents are making and how you can prevent them from happening to you. 

1. Moving a child out of a booster seat too soon.
Seat belts are designed to fit adults, not children. Putting a child that isn't ready into an adult seat belt can result in an abdominal or neck injury in the event of a sudden stop or crash. AAA recommends keeping your child in a booster seat until they are absolutely ready to fit into adult seat belts, which usually occurs between ages eight and twelve, depending on growth and development. Children should be able to sit with their back against the seat, knees bending at the edge of the seat and feet touching the floor. The lap belt should be positioned low across their hips and upper thighs with the shoulder belt across their chest and collarbone. 

2. Not installing the car seat tightly enough.
If a car seat is installed too loosely, it can subject a child to much greater force during a crash. A car seat should not move more than one inch front-to-back or side-to-side when installed correctly. 

3. Harness straps too loose.
Having the harnesses too loose on a child is very dangerous, as they will not be properly restrained in the event of a crash. This can result in subjugation to much greater force and even ejection from the seat entirely. Harnesses should lie flat without any twists. Ensure that they are snug enough that you cannot pinch any extra material at the child's shoulder. 

4. Retainer clip (or chest clip) is too low.
The retainer clip helps keep the child secure in the car seat. If a retainer clip is too low, a child can come out of the harnesses or the hard, plastic retainer clip can cause internal damage. AAA recommends ensuring that the clip is placed at armpit level. 

5. Turning your child forward-facing too soon.
According to AAA, children in the second year of life are 5 times less likely to die or be seriously injured in a crash if they ride in a rear-facing car seat. A child should remain in a rear-facing seat until they reach the upper weight or height limit allowed by the car seat manufacturer. Once this happens, then switch to a rear-facing convertible car seat with higher height and weight limits. 

6. Allowing a child under the age of 13 to ride in the front seat.
Children under the age of 13 are almost always too small to ride in the front seat, and they can be seriously injured by air bags in the event of a crash. Be safe and do not allow a child up front until they are a teenager. 

7. Forgetting the top tether.
Neglecting to use the top tether on a car seat will subject a child's head and neck to excessive forward movement. When recommended, always use the top tether with either LATCH or seat belt installations. 

8. Adding additional toys, padding or mirrors to a child's seat.
Don't add additional stuff to a car seat, as it can interfere with the seat performing the way it was designed to during a crash. Toys and mirrors can turn into dangerous projectiles in the event of an accident, as well. AAA recommends only using products that come with the seat or are recommended by the seat manufacturer. Secure all loose items in a vehicle trunk or storage space. 

9. Installing a car seat using LATCH in the center rear seat of a vehicle (when not permitted by the manufacturer).
Most vehicles do not support LATCH in the center rear seat. Using lower anchors intended for the outboard seats could cause the whole system to fail and the car seat to be thrown in a crash. Refer to the vehicle's owner's manual and only use lower anchors in approved seating positions. 

10. Transporting unsecured, heavy items (including pets) in the vehicle.
Loose items can turn into nasty projectiles during a crash. Secure items in a trunk or other storage location. Properly restrain pets with approved devices. 

11. Installing a car seat using both LATCH and a seat belt.
More is not better in this scenario. Using more than one system to secure a car seat can put unnecessary stress on the seat, affecting its performance during a crash. 

12. Having children wear bulky coats/sweaters while buckled into a car seat.
Unapproved padding, including coats and sweaters, placed behind or under the harness can compress in a crash, resulting in slack in the harness system. AAA says that you should always place blankets or jackets over the child after the harness is snug and secure.

Click the link to read the full article at AOL Autos: http://aol.it/18upxb8

Must-Have DIY Car Maintenance Tools

Do you ever do car maintenance in your own garage? If you do make sure you have these tools! AOL Autos has listed tools you don't want to be without when you do DIY car maintenance:

1. Screwdrivers
Quality screwdrivers are some of the most basic tools you should buy. While you should have one medium-sized flat head screwdriver and one medium-sized Phillips screwdriver at the very least, you can often buy quality name-brand sets for less than $15 at your local home-improvement store. Having multiple sizes of screwdrivers can help you get into tight spaces, and can also prevent you from stripping delicate screw heads. 

2. Pliers
Pliers are very versatile tools with many different uses. They can be used to adjust metal parts, cut wires and grab objects in tight areas. There are many types of pliers, and they can also be purchased in sets relatively inexpensively. A decent set of three-to-six pliers can be purchased for less than $20 and will often include expandable combination pliers, needle nose pliers and wire cutters. 

3. Ratchet set
Depending on your vehicle manufacturer, you should have either a metric or SAE ratchet set. Imported vehicles tend to have metric bolts, while many domestic models tend to use SAE. Before deciding what to buy, do some research or call your dealer. Ratchet sets tend to vary tremendously in quality. While a quality consumer-grade ratchet set can cost as much as $100, it can last for many years, so consider it an investment. 

4. Wrenches
Although wrenches are used on the same types of bolts as ratchets, it's important to have both tools in the correct sizes (metric or SAE). While you can sometimes use an adjustable monkey wrench as a substitute, it's often much more convenient to have a set of different sized wrenches. These can be used on bolts that are inaccessible with a ratchet. They can also be used to hold a nut while you use a ratchet to loosen the adjoining bolt. Name brand wrench sets can often be purchased for less than $50. 

5. Allen wrenches
Many modern vehicles also require Allen, or "hex," wrenches. These are L-shaped steel wrenches that range in length from two to six inches. While these are the most simple and inexpensive types of wrenches, they can be lifesavers if you come across certain bolts. Of course, double check if your vehicle is SAE or metric. Often, a set will include both types for less than $20. 

6. Jack with stands
If you plan on doing any work under your car, make sure to pick up a jack with at least two stands. If you have a large truck or SUV, you may need a heavy-duty set that can support the full weight of your vehicle. Make sure you don't skimp on the jack stands, as they're used to support the vehicle when you're working underneath it. We don't have to tell you why that's important. Expect to pay $50 to $100 for one of these.

Click the link to read the full article from AOL Autos:  http://aol.it/SqYYx7

Traveling Safely With Pets

If you're going on vacation this summer, you may want to take your furry friend(s) with you. Take a look at these tips from Cars.com to learn how you can transport your pet safely in your vehicle.

A 2011 online survey of 1,000 dog owners by AAA and Kurgo, a manufacturer of pet travel products, revealed 84 percent of respondents allowed their dogs to travel unrestrained in their vehicles; 65 percent admitted to engaging in distracting activities with their dog while driving.
In addition to being a distraction or becoming a projectile in a crash (at a driving speed of 35 mph, a 60-pound unrestrained dog can become a projectile exerting 2,700 pounds of pressure), an unrestrained pet is likely to be thrown into traffic following an accident - often leading to a lost pet, severe injury or death. 

Before you head out on a summer road trip with your dog, along with restraining Fido, remember these travel dos and don'ts: 

• Put small pet carriers on the floor between the front and rear seats, only secure with a seat belt if they were designed for use with seat belts. 
• Don't put a pet carrier on the front passenger seat; airbags could crush it during an accident. 
• Don't leave a pet in a parked vehicle in the heat, even with windows cracked; heat stroke can be deadly and can happen in minutes.
• Microchip your pet and have a tag with your information, including cellphone number, on all collars.
• Carry vaccination/health records in case of an emergency.
• Have a pet first-aid kit.
• Bring an in-car litter box for cats on long road trips.
• Locate a veterinarian near your destination(s).

Click the link to read the full article from Cars.com:  http://bit.ly/1wordeQ